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How much will it cost to purchase an automobile? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering you interactive financial calculators and tools as well as publishing unique and impartial content, by enabling you to conduct research and compare data for free to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this site come from companies who pay us. This compensation can affect the way and when products are featured on this website, for example the order in which they may appear in the listing categories in the event that they are not permitted by law. This applies to our mortgage or home equity products, as well as other products for home loans. However, this compensation will not influence the content we publish or the reviews appear on this website. We do not contain the entire universe of businesses or financial offerings that could be open to you.



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5 minutes read. Published 15 September 2022
Written by Allison Martin Written by

Allison Martin's work began over 10 years ago as a digital content strategist, and she's since been published in numerous prestigious financial publications including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to control their finances by providing clear, well-researched facts that break down complex topics into manageable bites.









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At Bankrate we are committed to helping you make smarter financial decisions. We adhere to the highest standards of ethical standards ,
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Although the price tag of a vehicle will direct you towards the model and model that's best for you however, it's not the only cost you need to keep in mind before purchasing the vehicle. Costs for maintenance and repairs, fuel insurance for autos, and annual registration renewals need to be considered when deciding which car is best suited to your budget and needs. How to estimate the true cost of car ownership To determine the true price of ownership of a vehicle you'll have to think about several factors, including repairs and maintenance , gas expenses, registration, fees, taxes and car depreciation. When you conduct your research prior to time so that you don't get sucked by the laundry list of costs and you'll know that you are able to afford the car you drive away from your lot. Maintenance and repairs Scheduled car maintenance is usually less than $100 per visit however, the cost will increase with older cars. You can determine the an average cost depending on the car's model, manufacturer, model, and mileage. While today's cars can go for a long time between regularly scheduled maintenance visits It's not a good idea to stretch the time between servicing to save some money on the cost of car maintenance. It is recommended to follow the manufacturer's car maintenance schedule found in the owner's guide to maximize the life of your vehicle and make sure that the manufacturer won't cancel the warranty of your new vehicle. Insurance for cars Although there are states that do not have their drivers purchase insurance for their cars, for the majority of drivers, it's an essential aspect to consider when calculating the real cost of car ownership. Insurance can provide you with hundreds of hundreds of thousands in case of collision and the average car owner pays . The most efficient method of determining the cost of your insurance by comparison of quotes from various companies. The cost of insurance can differ based on your age, history of accidents as well as your annual mileage, gender, vehicle and more. Gas costs The price at the pump can vary due to demand, taxes and even the location. However, as a prospective car buyer you can anticipate the cost expected by analyzing the fuel efficiency of your vehicle on . A "good" fuel efficiency for non-hybrid vehicles is around 20-30 miles per gallon. However, hybrids and electric vehicles could reach 50 to 100 miles per gallon or more according to . Also, you should take into consideration the fuel octane as well as the the type of fuel required. A vehicle that is highly-performing will require higher-octane premium gas, which could influence your budget for the month. But, you can still save on gas by comparing the best prices prior to filling up at the pump. Taxes, registration, and fees when you purchase a vehicle, there will always be additional charges once you are ready to sign the contract. The most important three are fees for registration of the vehicle, the taxes for documentation, as well as sales tax. The cost of registration varies from state to state. In some states, registration costs are less than $100 annually, while other states charge up to $200. This cost is also affected by the cost and age of the vehicle. The documentation fee is for the documentation that is required with the purchase of a new car. Many dealerships use this as a way to get extra money. Certain states have a documentation fee limit of $100 to $200, however, the majority of states don't regulate documentation fees. Make sure you check the rules of your state ahead of time to be ready to negotiate if the amount is too high. Sales tax is also different by state. The residents of California will pay a maximum 10.25 per cent tax rate on their car, and buyers in Michigan can expect taxes to be as low as 6 percent. A calculator for car tax rates can help you avoid a surprise when signing the contract. Depreciation Your is the amount at which the value of your car decreases over time. It is the amount that is how much it is worth today versus the time you bought it. This is a crucial aspect because you may lose money if your vehicle has an excessive depreciation rate. can help you determine the amount of depreciation that a vehicle could incur over the course of five years, since some cars depreciate more rapidly than others. In general, new vehicles depreciate faster than used cars. How to minimize your vehicle expenses Along with conducting your research prior to signing a contract There are a variety of day-to-day ways to minimize the cost of your vehicle when you own the vehicle: Be cautious when driving speeding, rapid acceleration, and abrupt braking all reduce your vehicle's fuel efficiency. Following the speed limitor even a bit less it -- can help you save money at the pump. Pick a reliable mechanic: Take a look at a handful of mechanics and read reviews on the internet before choosing one. Having a relationship with a reliable mechanic will guarantee fair prices. Maintain your car according to the schedule: It's tempting to avoid routine maintenance and service visits however following the manufacturer's suggested schedule will prevent your car from failing. Additionally, you could avoid costly repairs. Consider a defensive driving class Numerous insurance companies provide discounts to drivers who complete online defensive driving courses. Do not overuse the air conditioning by using the air conditioning when not needed could significantly impact the efficiency. When it's possible, roll down the windows instead of turning up the temperature. Find out about auto insurance: Some providers offer far lower rates for auto coverage than others. Take the time to research and search for the option best suited to your needs. Plan your routes: Mapping your routes ahead can reduce unnecessary trips, curbing the cost of fuel. Earn gas loyalty rewards Make use of loyalty reward programs that are offered by select credit card issuers and gas stations. Experts suggest that you invest less that 10-15 percent of take-home pay on an auto loan. Also, you must consider the cost of maintaining your car, which should not be seven percent making the total between 17 to 21% of take-home pay. How to save the cost of your vehicle loan Finding a loan the can also help you minimize car ownership costs. Before you start your search, look over your score on credit to determine what your standing is as lenders will use it to decide what rate to offer you. If you don't think your credit is to standard, request an account of your credit report from the three major credit bureaus including Experian, TransUnion and Equifax -- and review the details. File disputes if you spot errors and identify the areas of your credit report that need to work on that could cause your credit score to go down. If your score isn't quite at par and you need to get a car loan now, is also an option. After that, you should get rate quotes to find the best deals on financing. A lot of lenders allow online financing without impacting your credit score. Moreover, you can use rate quotes to help you are negotiating a price for a purchase at the dealership. If you're ready apply for a loan, select the lender with the conditions to conclude the transaction. Be mindful of the fact that, the more long the loan duration, the higher the interest you'll have to pay even if you make the lowest monthly cost. The bottom line Car maintenance, insurance and other fees can put you in a financial position if you're prepared for these costs. Be prepared and review your budget to ensure you can afford the vehicle you're looking to purchase. Make sure you do your research before you apply for an loan to secure the best deal on financing. Find out more


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Written by

Allison Martin's career began more than 10 years ago as a digital content strategist. She's published in numerous prestigious financial publications including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to take control of their finances through providing precise, well-researched and well-documented information that is broken down into complex topics into manageable bites.






Auto loans editor




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